I’ve always considered myself pretty frugal—cutting coupons, comparing prices, and stretching every dollar. But then, I met someone who reused aluminum foil, never bought paper towels, and timed their showers with a stopwatch. That got me thinking… just how frugal am I?
Frugality looks different for everyone. Some people take it to an extreme, while others focus on mindful spending. The real question is: where do you fall on the frugality scale? Are you a money-saving pro or just getting started?
This 30-question quiz will help you find out! Answer honestly, and after each question, you’ll get a quick insight into what it says about your frugal habits. Ready to test your skills? Let’s dive in!
Frugality Quiz: How Frugal Are You?
1. Do you create and stick to a monthly budget?
A budget is the foundation of frugal living. If you’re tracking your spending, you’re already ahead of the game!
2. Do you meal plan to avoid food waste and save money?
Planning meals prevents unnecessary grocery runs and impulse buys—two sneaky budget killers.
3. Do you use coupons or cashback apps when shopping?
Every little bit adds up! If you’re using discounts wisely, you’re maximizing savings.
4. Do you buy generic or store-brand products instead of name brands?
Most generics are just as good as the branded versions—except they cost significantly less!
5. Do you repair or repurpose items instead of replacing them?
Fixing things instead of tossing them is a classic frugal habit (and great for the environment, too!).
6. Do you wait for sales or shop clearance racks before buying something new?
If you never pay full price, you’re thinking like a true frugal pro.
7. Do you avoid impulse purchases by using a 24-hour or 30-day rule?
Taking time before buying helps curb unnecessary spending and keeps your budget in check.
8. Do you borrow or rent items instead of buying them when possible?
From books to tools, borrowing can save you tons over time.
9. Do you brew coffee at home instead of buying it at a café?
Those daily $5 lattes add up fast—homebrewing is a frugal (and tasty) alternative.
10. Do you regularly review and negotiate your bills (e.g., internet, insurance, subscriptions)?
Many companies will lower your rate if you just ask—negotiating can lead to serious savings!
11. Do you drive a used car or keep your car for as long as possible?
New cars lose value fast—frugal folks know that a reliable used car is the way to go.
12. Do you use public transportation, carpool, bike, or walk to save on gas?
Cutting down on gas and maintenance costs is a great way to stretch your budget.
13. Do you avoid credit card debt and pay off your balance in full each month?
Interest charges can eat up your savings—paying in full keeps you financially strong.
14. Do you use a library instead of buying books, movies, or audiobooks?
Libraries are goldmines for free entertainment—why spend money when you don’t have to?
15. Do you DIY home repairs and maintenance instead of hiring professionals?
Learning basic skills can save hundreds (or even thousands) over the years!
16. Do you keep your thermostat low in winter and high in summer to cut energy costs?
Adjusting a few degrees can make a noticeable difference in your utility bill.
17. Do you buy clothes secondhand or participate in clothing swaps?
Thrift stores and swaps offer amazing deals on quality clothing for a fraction of the price.
18. Do you pack your lunch instead of eating out?
A $10 daily lunch adds up to $200+ per month brown-bagging keeps more money in your pocket.
19. Do you use free or low-cost entertainment options instead of pricey outings?
Parks, community events, and free museum days are great ways to have fun without spending much.
20. Do you avoid extended warranties and unnecessary insurance add-ons?
Many extended warranties aren’t worth the cost—building an emergency fund is often a better strategy.
21. Do you unplug electronics when not in use to save on electricity?
Even when turned off, some devices still use power—unplugging can lead to small but steady savings.
22. Do you grow your vegetables, herbs, or fruits to save on groceries?
Even a small herb garden can cut costs while adding fresh flavor to your meals.
23. Do you air-dry your clothes instead of using a dryer?
Dryers use a lot of energy—hanging clothes to dry is an easy way to save.
24. Do you cut your hair or do simple grooming at home?
DIY haircuts can save hundreds per year, especially for basic trims and styles.
25. Do you avoid buying bottled water and use a reusable water bottle instead?
Bottled water is a sneaky expense—filtered tap water is much cheaper (and better for the planet!).
26. Do you use a budgeting app or spreadsheet to track every dollar?
Knowing exactly where your money goes is key to improving your financial habits.
27. Do you make your household cleaners instead of buying expensive brands?
A mix of vinegar, baking soda, and lemon can replace many pricey cleaning products.
28. Do you take advantage of free workout options instead of paying for a gym?
Walking, running, and bodyweight exercises are great ways to stay fit for free.
29. Do you repair and mend clothing instead of discarding items over minor damage?
A simple stitch or patch can extend the life of your clothes and save you money.
30. Do you set financial goals and consistently work toward them?
The most frugal people aren’t just saving—they have a plan and a purpose for their money.
Conclusion
So, how frugal are you? If you found yourself nodding along to most of these questions, you’re probably a money-saving pro! If not, no worries—frugality isn’t about being perfect. It’s about making small, intentional choices that add up over time.
The best part? You don’t have to follow every single frugal habit to see a big impact. Even adopting a few new ones can help you stretch your budget and reach your financial goals faster.
Which frugal habits do you already practice? Are there any new ones you’re excited to try? Share your results in the comments—I’d love to hear how you’re making the most of your money!